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Introduction
At State Employees' Credit Union, we believe in the power of community and the strength of financial partnerships. Located at 1030 Mooresville Rd, Salisbury, NC 28147, our branch has proudly served the needs of our members since 1937. With a total membership exceeding 2.8 million, we are committed to providing personalized services that cater to your financial goals. Our credit union stands out not only for our member-first approach but also for our robust financial health. We currently boast assets totaling an impressive $57,229,286,839 and total deposits amounting to $7,866,265,767. Our dedicated team of 8,258 employees works tirelessly to ensure that your banking experience is seamless and supportive. Under the leadership of CEO Leigh Brady and Board President Mona Moon, we strive to foster trust and transparency. We understand that every member's journey is unique, which is why we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. While you can always reach us at our Salisbury branch or visit us online at ncsecu.org, please note that official correspondence should be directed to our mailing address: 1030 MOORESVILLE RD, SALISBURY, NC 28147. Whether you're looking to secure a loan or open a new account, our friendly staff is here to guide you every step of the way. Don't hesitate to call us at 704-633-7005 with any questions or to schedule a visit during our lobby hours from 8:30 AM to 5:30 PM on weekdays. Join us in building a stronger community through sound financial practices!
Branch History & Mission
At State Employees' Credit Union, we take pride in our rich history and commitment to serving the Salisbury community since 1937. Located at 1030 Mooresville Rd, Salisbury, NC 28147, our branch has been a cornerstone of financial support for countless members over the years. With a total membership surpassing 2.8 million and assets totaling over $57 billion, we have grown significantly while staying true to our mission of providing accessible financial services. From our humble beginnings, State Employees' has evolved into a trusted institution that prioritizes the needs of its members. Our journey reflects not just growth in numbers but also an unwavering dedication to helping individuals and families achieve their financial goals. Whether it's opening checking accounts or providing loans for vehicles and homes, we focus on empowering our members through personalized services tailored to their unique circumstances. Our mission is clear: to improve the lives of our members and the communities we serve. We strive to deliver exceptional banking experiences while supporting local initiatives that foster growth and development. Our operating hours are designed with convenience in mind; we're open Monday through Friday from 8:30 AM to 5:30 PM, ensuring that you can easily reach us when you need assistance. In addition to traditional banking services, we embrace digital advancements that make managing your finances easier than ever. With online banking options and mobile applications available, members can access their accounts anytime, anywhere. We also ensure accessibility with ADA-compliant facilities and drive-thru banking options for those who prefer quick transactions without leaving their vehicles. While members can visit us at 1030 Mooresville Rd, official correspondence should be sent to our mailing address at 1030 MOORESVILLE RD, SALISBURY, NC 28147. We invite you to explore how State Employees' can help you with personal banking needs like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more. Our commitment extends beyond individual finances; we believe in giving back to the community that supports us. Through various partnerships and outreach programs, we actively participate in initiatives aimed at enhancing the well-being of Salisbury residents. Join us at State Employees' Credit Union today! Experience firsthand the benefits of being part of a member-focused organization dedicated to your financial success and community prosperity. For inquiries or assistance, feel free to call us at 704-633-7005. Together, let's build a brighter future!
Branch Location & Accessibility
Welcome to the State Employees' branch located at 1030 Mooresville Rd in Salisbury, NC! We're proud to serve our community with a convenient location that's easily accessible for all members. Whether you're heading to the nearby Rowan County Courthouse or stopping by after a visit to the beautiful Lake Hurley, our branch is perfectly situated to meet your banking needs. At our Salisbury branch, we prioritize your comfort and convenience. The parking area is spacious and designed for easy access, including ADA-compliant features to ensure everyone can visit us without hassle. Plus, for those who prefer the drive-thru, we offer a dedicated service lane that makes banking even simpler. Our operating hours are designed with you in mind; we're open Monday through Friday from 8:30 AM to 5:30 PM. This gives you plenty of time to stop by before or after work. If you need assistance outside these hours, don't worry we also provide ATM services right on site, allowing you to withdraw cash or check balances anytime. If you have official correspondence, please note that while our branch address is 1030 Mooresville Rd, any mail should be sent to the same address for your convenience. Whether you're looking to open a new account, apply for a loan, or simply ask questions about our services like personal banking options or vehicle financing our friendly staff is here to help. Feel free to give us a call at 704-633-7005 if you have any inquiries before your visit. We invite you to come by and experience what makes State Employees' Credit Union a trusted partner in your financial journey!
Member Eligibility
Becoming a member of State Employees' is like joining a welcoming family that truly cares about your financial well-being. If you're looking to join us at our branch located at 1030 Mooresville Rd Salisbury Nc 28147, you'll be happy to know that eligibility is straightforward and accessible. We invite anyone who works for or is affiliated with the state, as well as their family members, to become part of our community. This means if you're a state employee or related to one, you can enjoy all the benefits we offer, from personalized service to competitive rates on loans and savings. Getting started is easy! Just visit our website for more details on the specific eligibility criteria at http://www.ncsecu.org/join#eligibility. When you're ready to open an account, head over to https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu where you'll find a simple process designed with you in mind. Should you have any questions or need assistance along the way, feel free to call us at (704) 633-7005. We can't wait to welcome you to State Employees'!
Business Banking & Commercial Services
Merchant Services That Make a Difference
In addition to loans, our merchant services streamline your payment processes, making transactions smoother for both you and your customers. Imagine being able to accept payments easily, whether in-store or online allowing you to focus more on what truly matters: growing your business. Explore how State Employees' can partner with you on this journey at our location in 1030 Mooresville Rd Salisbury Nc 28147, Salisbury, NC. Reach out at (704) 633-7005 or visit us today!
Tailored Loan Options
Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. This financial backing allows entrepreneurs like you to turn ideas into reality, whether it's purchasing new equipment or expanding your team. We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that cater to diverse business models. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.
Comprehensive List Of Services
Auto Loans and Vehicle Financing
Are you in the market for a new car? Our auto loans and vehicle financing services make buying or refinancing your vehicle easy and affordable. With competitive rates and flexible terms, we aim to put you behind the wheel without breaking the bank. Imagine driving off in your dream car with a loan that fits comfortably within your budget.
Business Banking Services
If you're a business owner, we have tailored solutions just for you! Our business banking services, including merchant services and business loans, are designed to help your enterprise thrive. We understand the challenges businesses face today, and we're here to support your growth with financial tools that work for you.
Convenient Access to Your Funds
We know convenience is key when it comes to banking. That's why we provide ATM services and basic drive-thru banking for quick deposits, withdrawals, and simple transactions. Need cash? Our ATMs allow you to withdraw money or check balances effortlessly.
Digital Banking Features
In today's fast-paced world, having access to digital banking is essential. With features like mobile payments and e-statements available at State Employees', managing your finances has never been easier. Stay connected with real-time updates on your accounts right from your smartphone. Ready to take control of your financial journey? Visit us at State Employees', call us at 704-633-7005, or explore our website at ncsecu.org. Let us help you achieve your financial goals today!
Mortgage Solutions
Buying a home is one of the most significant decisions you'll ever make. At State Employees', we offer comprehensive mortgage loans and refinancing options tailored to meet your needs. Our experienced team will guide you through every step of the process, ensuring that you feel confident and informed as you secure your new home.
Personal Banking Solutions
We understand that managing personal finances can be overwhelming. That's why we offer checking and savings accounts designed to fit every lifestyle. Imagine having access to your funds anytime you need them through our online and mobile banking services. You can easily check balances, transfer money, or pay bills from the comfort of your home or on the go. For those moments when you need a little extra help, our personal loans and debt consolidation options are here for you. Whether it's an unexpected expense or consolidating multiple debts into one manageable payment, we're committed to helping you find the best solution.
Digital & Online Banking
Key Services
Our online banking portal at https://www.ncsecu.org/ allows you to view account balances, pay bills, and transfer funds with just a few clicks. You can also sign documents electronically through our electronic signature authorization feature, making transactions quicker and hassle-free. Plus, with e-statements available, you'll receive your account statements right in your inbox no more waiting for the mail. For those on the go, our mobile application provides all the features you need right at your fingertips. You can easily make mobile payments and manage transactions without having to visit a branch. Whether you're shopping or splitting a bill with friends (though person-to-person transfers aren't available), our app keeps everything organized and accessible.
Security and Convenience
Security is a top priority for us. We use advanced encryption technologies to keep your information safe while you enjoy the convenience of online banking. Our user-friendly interface means you won't have to spend time figuring out how to navigate the system; it's designed for everyone, regardless of tech-savviness. With these tools at your disposal, you'll find that managing your finances has never been easier or more secure. Join us at State Employees' today and experience the benefits of modern banking tailored just for you!
Financial Strength
Commitment to Growth
Our commitment extends beyond just savings; with $133,577,509 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $193,516 in used auto loans and $34,904,944,116 in total loans and leases, our lending capacity supports members' financial goals across various sectors.
Efficient Operations
Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 7,729 full-time employees and 529 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.
Growing Trust
Total Share and Deposit Accounts: 5,850,875, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $574,556,810. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, State Employees' is your trusted partner. Visit us at 1030 Mooresville Rd Salisbury Nc 28147 or call (704) 633-7005 to learn more about how we can help you achieve your financial goals.
Member-Centric Savings
Members' savings are secured through $13,895,511,732 in share certificates and $15,232,786,618 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.
Strong Financial Health
With a net worth of $5,446,832,560, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $971 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans already helping members get on the road. Whether you're interested in purchasing a brand-new vehicle or a reliable used one, we've got you covered.
Credit Lines
For those looking for additional flexibility, our credit lines totaling $18,909,000,000 allow you to access funds when you need them most without having to apply for a new loan each time. This is perfect for managing unexpected expenses or funding personal projects. If you're ready to take the next step towards achieving your financial goals, give us a call at (704) 633-7005 or visit us today! Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the right loan solution tailored just for you!
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, make buying or refinancing simple. We offer competitive rates and flexible terms to fit your budget. If you're considering refinancing an existing mortgage, be sure to ask about our eligibility options.
Unsecured Credit Card Loans
We also offer flexible terms on unsecured credit card loans, with a total of $1,177,171,541 in loans helping members manage their finances effectively. These loans provide the freedom to make purchases while maintaining control over your spending.
Loan Aggregator
Benefits of Using LendMesh
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